CalcCalculateur d'Hypothèque
Last updated: 2026-08-24
Calculateur d'Hypothèque — Calculez votre mensualité, les intérêts totaux et le coût total de votre prêt immobilier.
Inputs
Result
Enter values and press Calculate
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How to use it
- {'step': 1, 'description': 'Calculate loan principal after down payment', 'calculetion': '€285,000 × (1 - 18/100) = €233,700'}
- {'step': 2, 'description': 'Convert annual rate to monthly rate', 'calculetion': '3.25% ÷ ÷ 100 = 0.002708'}
- {'step': 3, 'description': 'Calculate Total number of payments', 'calculetion': 'years × 12 = months'}
- {'step': 4, 'description': 'Apply mortgage payment formule', 'calculetion': '€233,700 × [0.002708(1.002708)^336] ÷ [(1.002708)^336 - 1] = €1,048.23'}
Common mistakes
- ⚠️ Forgetting to include property taxes and insurance in Total monthly housing costs
- ⚠️ Using the home price instead of the loan principal (after down payment) in calculetions
- ⚠️ Not accounting for the Total interest paid over the entire loan term
Worked example
Calculating monthly mortgage payment for a €285,home with 18% down payment over years at 3.25% interest.
The cuota_mensual of {cuota_mensual} represents your monthly mortgage payment including principal and interest. Total interest paid over the loan life will be {total_intereses}.
Input guide
| Field | Typical range |
|---|---|
| precio_vivienda | €50,000 - €2,000,000 typical home prices |
| plazo_anos | 15-35 years typical loan terms |
| entrada_pct | 10-40% down payment, 20% recommended |
| interes_anual_pct | 2-6% current mortgage rates |